Broker vs Advisor Sold RILAs: EDU #2527

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

2.2 • 673 Ratings

🗓️ 2 July 2025

⏱️ 77 minutes

🔗️ Recording | iTunes | RSS

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Summary

Chris’s Summary:Jim and I examine broker vs advisor sold RILAs using real cap rate comparisons from 2024 to highlight how identical contracts can offer different outcomes. We explain how six-year outcome periods work, what locking in gains actually does, and when fees can reduce returns more than commissions. This episode is less about product bias […]

Transcript

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0:00.0	The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment legal or tax advice.
0:07.0	All information is believed to be from reliable sources. However, we make no representation as to its completeness or accuracy.
0:12.1	All economic and performance information is historical in nature and is not indicative of any future results.
0:16.5	Any indices mentioned on the show are unmanaged and cannot be invested indirectly.
0:20.0	Diversification and asset allocation strategies do not assure profit or protect against loss.
0:23.8	Never make any investment or financial decisions based on information offered on this show without first consulting your financial legal or tax advisor.
0:29.7	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.
0:47.1	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:52.8	Join us as certified financial planner Jim Sonier, as well as Colorado State University Finance Instructor and certified financial planner Chris Stein, teach you about IRAs,
0:58.2	borrow-in-case, annuities, Social Security, pension plans, and estate planning in a fun and enjoyable show.
1:05.4	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:10.7	Jim and Chris want you to know that
1:12.4	they're available to help you plan for your retirement. Just visit their website at Jimhelps.com.
1:18.5	That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage. Now here's Jim
1:25.7	and Chris with today's show.
1:30.9	Well, hello and welcome to the Retirement and IRA show EDU edition for this week. So this is going to be the first show in
1:38.1	July of 2025. So we have formally exited June. That's what comes after June is July, for those of you
1:48.4	not aware, but June is National Annuity Awareness Month. So we had focused shows on
1:54.9	annuities. Well, we didn't quite get through everything we wanted to talk about. So we are going to do
1:59.8	a little bit more
2:01.5	annuity talk, excuse me, in July here. We're not going to do every show as annuities. We're not
2:08.1	going to make July honorary annuity awareness month. But we do have a few other things to talk about.
	...

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